Find Your Return On Investment
Investment That Helps You Reach
Life Goals Faster
Wholesale Investors Only.
Want to Know Return On Your Investment?
Blossum Wholesale Fund is built for wholesale investors who want regular monthly income from a diversified portfolio of New Zealand loans secured by registered mortgages over property.
Monthly Distributions
Property-Secured
6–12 Month Term
Key Advantages for Wholesale Investors
Investors prioritize clear, income-focused options. This fund provides straightforward benefits to meet those needs.
A clear goal
Get monthly income, not just hope for returns.
Security you can understand
Your money is secured by property in New Zealand, with registered mortgages.
Less market noise
Earnings come from loan interest, not dependent on market fluctuations.
Invest simply, get diverse exposure
You don't have to pick individual loans yourself.
Clear process
Read the Investor Pack before you decide.
Who Is This Designed For
Typical wholesale investor profiles where an income-focused, property-secured lending allocation can make sense.
Retirees or Near-Retirees
You want regular income and prefer a framework that puts capital protection thinking first. Monthly distributions support lifestyle needs whilst maintaining focus on security.
Busy Business Owners
You want an income allocation without operational complexity. Professional management means you can focus on your business whilst receiving monthly income.
High-Income Professionals
You want income and structure, not something that depends on market timing. Property-secured lending offers a different return profile.
Trusts and Family Groups
You want an income sleeve with documentation, reporting, and governance. Clear processes support trustee obligations and family decision-making frameworks.
Investors Diversifying Away from Markets
You want a return driver that's different from equities. Loan interest payments provide returns less correlated to sharemarket movements.
What "First" and "Second" Mortgage Security Means
Understanding Mortgage Priority
When a property is sold, not all lenders stand in the same queue. The order matters, particularly when things don't go to plan.
First Mortgage
The first lender is paid first from property sale proceeds, up to what they're owed
Second Mortgage
The second lender is repaid after the first mortgage is cleared
Wholesale Investors Only
Why We Focus on Keeping LVR Below 75%
LVR (loan-to-value ratio) is simply the loan amount compared to the property value. Keeping this conservative helps create a buffer that matters when markets shift or unexpected challenges arise.
Buffer for Property Price Moves
If values drop, you want room before capital is at risk. A 75% LVR leaves 25% equity cushion for market volatility.
Valuations Aren't Perfect
Lower LVR gives margin for valuation uncertainty. Professional valuations provide guidance, but markets determine real prices.
Real-World Recovery Has Costs
Legal fees, sale costs, and time-to-sale reduce net recovery. The buffer helps absorb these inevitable transaction expenses.
More Exit Options
With more equity, borrowers may refinance or sell earlier if needed, creating smoother resolution pathways.
Portfolio Resilience
Consistent LVR discipline reduces "one bad loan" damage across the diversified portfolio.
Lower LVR doesn't eliminate risk, but it can improve downside outcomes in secured lending.
Our Steps to Protect Your Capital
No investment is ever completely risk-free. Here's how we work to reduce potential losses through clear processes and careful decisions.*
Our Risk Management Approach
Borrower Risk
We only offer property secured loans, checking borrower credit, and closely monitoring all loans.
Property Value Risk
We make decisions based on conservative property valuations and keep loan-to-value ratios conservative.
Concentration Risk
We diversify investments across many loans and borrowers to avoid too much risk in one area.
Liquidity Risk
We have clear rules for managing cash flow to ensure stable portfolio management.*
Governance and Process Risk
We use documented processes and strong oversight, as explained in our Investor Pack.

* For wholesale investors only. Returns are not guaranteed. This is general information and does not consider your personal situation. Always read the Investor Pack / Information Memorandum and get independent advice before investing.
PIE Tax Can Improve Your Tax-Equivalent Outcome
Understanding the PIE Advantage
If the fund is a multi-rate PIE, your investment income is taxed at your Prescribed Investor Rate (PIR), which for NZ resident individuals is capped at 28%.
If you're on the top personal marginal rate (39% on income over $180,000), that PIR cap can improve your after-tax outcome compared to being taxed at 39% on the same income.
Tax-Equivalent Example
If we quote you a return of 8%, it can feel like roughly 1.18×8% to someone taxed at 39%, once you compare after-tax outcomes. This means your effective return is 9.44% p.a.
This comparison helps high-income earners understand the real value of the PIR cap when evaluating income investments.
Tax depends on your PIR and circumstances. This is an illustration only.
How to Get the Details
We've designed a straightforward process that respects your time whilst ensuring regulatory compliance and proper disclosure.
01
Send the Enquiry Form
We'll confirm you're the right fit for a wholesale offer and send the Investor Pack with full documentation
02
You Receive the Current Rate
We'll show what your investment could earn monthly and annually (illustrative figures based on your indicated amount)
03
Decide in Your Own Time
If it looks like a fit, we'll walk you through eligibility confirmation and next steps at your pace
Tell Us What You're Considering — We'll Show What You Could Earn
Submit the enquiry form to receive the current rate, an estimate of monthly income, and the Investor Pack. No obligation, and we'll respect your time throughout the process.
Blossum Wholesale Fund
Blossum Wholesale Fund is built for wholesale investors who want regular monthly income from a diversified portfolio of New Zealand loans secured by registered mortgages over property.

*Wholesale investors only. Returns are not guaranteed. This information is general only and not financial advice. See the Investor Pack / Information Memorandum and seek independent advice before investing. Blossum Wholesale Fund is available exclusively to investors who meet the wholesale investor criteria under New Zealand financial markets legislation.
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